Nevada Revised Statutes
Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility
NRS 485.187 - Unlawful acts; fines and penalties; exceptions.


1. Except as otherwise provided in subsection 5, the owner of a motor vehicle shall not:
(a) Operate the motor vehicle, if it is registered or required to be registered in this State, without having insurance as required by NRS 485.185.
(b) Operate or knowingly permit the operation of the motor vehicle without having evidence of insurance of the operator or the vehicle in the vehicle.
(c) Fail or refuse to surrender, upon demand, to a peace officer or to an authorized representative of the Department the evidence of insurance. The surrender, upon demand, of an evidence of insurance issued in electronic format does not constitute consent for a peace officer or authorized representative of the Department to access other contents of any device used to display the evidence of insurance and surrendered in compliance with this section.
(d) Knowingly permit the operation of the motor vehicle in violation of subsection 3 of NRS 485.186.
2. A person shall not operate the motor vehicle of another person unless the person who will operate the motor vehicle:
(a) First ensures that the required evidence of insurance is present in the motor vehicle or available electronically; or
(b) Has his or her own evidence of insurance which covers that person as the operator of the motor vehicle.
3. Except as otherwise provided in subsection 4, any person who violates subsection 1 or 2 is guilty of a misdemeanor. Except as otherwise provided in this subsection, in addition to any other penalty, a person sentenced pursuant to this subsection shall be punished by a fine of not less than $600 nor more than $1,000 for each violation. The fine must be reduced to $100 for the first violation if the person obtains a motor vehicle liability policy by the time of sentencing, unless:
(a) The person has registered the vehicle as part of a fleet of vehicles pursuant to subsection 5 of NRS 482.215; or
(b) The person has been issued a certificate of self-insurance pursuant to NRS 485.380.
4. A court:
(a) Shall not find a person guilty or fine a person for a violation of paragraph (a), (b) or (c) of subsection 1 or for a violation of subsection 2 if the person presents evidence to the court that the insurance required by NRS 485.185 was in effect at the time demand was made for it.
(b) Except as otherwise provided in paragraph (a), may impose a fine of not more than $1,000 for a violation of paragraph (a), (b) or (c) of subsection 1, and suspend the balance of the fine on the condition that the person presents proof to the court each month for 12 months that the insurance required by NRS 485.185 is currently in effect.
5. The provisions of paragraphs (b) and (c) of subsection 1 do not apply if the motor vehicle in question displays a valid permit issued by the Department pursuant to subsection 1 or 2 of NRS 482.3955, or NRS 482.396 or 482.3965 authorizing the movement or operation of that vehicle within the State for a limited time.
(Added to NRS by 1987, 1089; A 1987, 1443; 1989, 1844; 1993, 157, 1443, 2485, 2492; 1995, 576, 2357, 2735; 1997, 662; 1999, 2727; 2001, 922; 2015, 3514)

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility

NRS 485.010 - Short title.

NRS 485.020 - Definitions.

NRS 485.028 - "Certificate of financial responsibility" defined.

NRS 485.0335 - "Dormant vehicle" defined.

NRS 485.034 - "Evidence of insurance" defined.

NRS 485.035 - "Judgment" defined.

NRS 485.037 - "Insurance" defined.

NRS 485.040 - "License" defined.

NRS 485.050 - "Motor vehicle" defined.

NRS 485.055 - "Motor vehicle liability policy" defined.

NRS 485.060 - "Nonresident" defined.

NRS 485.070 - "Nonresident’s operating privilege" defined.

NRS 485.080 - "Operator" defined.

NRS 485.090 - "Owner" defined.

NRS 485.105 - "Proof of financial responsibility" defined.

NRS 485.108 - "Registered owner" defined.

NRS 485.110 - "Registration" defined.

NRS 485.120 - "State" defined.

NRS 485.130 - General duties of Department.

NRS 485.135 - Department to furnish operating record. [Effective through December 31, 2022.] Department to furnish operating record. [Effective January 1, 2023.]

NRS 485.137 - Department to publish and disseminate informational leaflet.

NRS 485.140 - Judicial review.

NRS 485.185 - Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of coverage.

NRS 485.186 - Operator’s policy of liability insurance: Use in lieu of owner’s policy of liability insurance; requirements for issuance; required statements; operation of motor vehicle by person other than insured; required and excluded coverages; ap...

NRS 485.187 - Unlawful acts; fines and penalties; exceptions.

NRS 485.190 - Department to determine amount of security required; hearing; suspension of license and registration; procedure regarding erroneous information.

NRS 485.191 - Right to hearing; notice; request for hearing; waiver.

NRS 485.193 - Scope of hearing.

NRS 485.195 - Powers of officer conducting hearing.

NRS 485.197 - Enforcement of subpoenas issued by Director.

NRS 485.200 - Exceptions to requirements as to security and suspension of license and registration.

NRS 485.210 - Requirements as to policy or bond.

NRS 485.220 - Form and amount of security.

NRS 485.230 - Duration of suspension; requirements for reinstatement.

NRS 485.240 - Application to nonresidents, unlicensed drivers, unregistered motor vehicles and crashes in other states.

NRS 485.250 - Authority of Department to reduce amount of security.

NRS 485.260 - Custody of security.

NRS 485.270 - Disposition of security.

NRS 485.280 - Return of deposit.

NRS 485.290 - Transfers of deposits to State Highway Fund; procedure for payment of claimants after transfer.

NRS 485.300 - Matters not to be evidence in civil suits.

NRS 485.301 - Judgment creditor authorized to report nonpayment of judgment entered as result of motor vehicle crash; Department to transmit copy of judgment to nonresident’s state.

NRS 485.302 - Suspension for nonpayment of judgment; exceptions.

NRS 485.303 - Suspension to continue until judgments paid and proof given.

NRS 485.304 - Payments sufficient to satisfy requirements.

NRS 485.305 - Payment of judgment in installments; default.

NRS 485.307 - Alternate methods of giving proof; proof required before registration is restored.

NRS 485.3075 - Proof required before reinstatement of license or registrations suspended for failure to maintain proof; duration; penalty.

NRS 485.308 - Certificate of insurance as proof; filing of certificate by electronic or other means; insurance carrier to notify Department before cancelling or terminating policy.

NRS 485.309 - Certificate furnished by nonresident as proof.

NRS 485.3091 - Motor vehicle liability policy: Requirements.

NRS 485.3092 - Cancellation or termination of policy: Notice required; suspension required if effective date within 3 years after reinstatement.

NRS 485.3093 - Chapter not to affect other policies.

NRS 485.3098 - Other proof may be required.

NRS 485.3099 - Department, under certain circumstances, to consent to cancellation of certificate or waive requirement of proof; re-establishment of proof.

NRS 485.313 - Department to create system for verifying that owners of motor vehicles maintain insurance; regulations.

NRS 485.314 - Insurer to maintain record of each contract of insurance and provide Department access to any such record; Department to notify Commissioner of Insurance of noncompliance or receipt of false, incomplete or misleading information.

NRS 485.316 - Confidentiality of information in system; exceptions; penalty.

NRS 485.317 - Department to verify insurance for each motor vehicle registered in this State; owner to respond to inquiry when Department unable to verify insurance; suspension of registration when insurance cannot be verified; reinstatement of regis...

NRS 485.318 - Immunity from liability for actions in good faith and without gross negligence.

NRS 485.320 - Surrender of license, registration and license plates; owner of dormant vehicle required to cancel registration if policy covering vehicle is cancelled or expires; regulations.

NRS 485.326 - Suspension of license for failure to maintain insurance.

NRS 485.330 - Operating motor vehicle when license or registration suspended.

NRS 485.340 - Failure to return license, registration or license plate.

NRS 485.350 - False or forged policy of insurance, certificate of self-insurance, proof of financial responsibility, evidence of insurance or other document; misrepresentation of documents.

NRS 485.360 - Penalty for other violations.

NRS 485.370 - Applicability.

NRS 485.380 - Self-insurers.

NRS 485.385 - Department to take appropriate action after receipt of correct information.

NRS 485.387 - Suspension of registration does not prevent owner from effecting bona fide sale; rights of vendor, mortgagee or lessor.

NRS 485.390 - Chapter supplemental to laws regarding motor vehicles.

NRS 485.400 - Chapter not retroactive.

NRS 485.410 - Chapter not to prevent other process.

NRS 485.420 - Uniformity of interpretation.